Side-by-side · Q2 2026 data
Central National Bank vs The Citizens State Bank
Metric by metric
| Measure | Central National Bank | The Citizens State Bank |
|---|---|---|
| TellerScore | 78 | 95 (stronger) |
| Capital cushion | 60 | 94 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 73 | 88 (stronger) |
| Funding & liquidity | 66 | 92 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 86th | 99th |
| Total assets | $1.4B | $450.6M |
| Deposits / shares | $1.2B | $382.3M |
| Capital ratio | 11.00% | 14.45% (stronger) |
| Problem loans | 0.01% | 0.01% (stronger) |
| Net charge-offs | 0.15% | 0.00% (stronger) |
| Return on assets | 1.33% | 1.69% (stronger) |
| Loans ÷ deposits | 65.5% | 57.8% (stronger) |
| Uninsured deposits | 40.5% | 22.5% (stronger) |
| Offices | 29 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 3.3% |
The Citizens State Bank has the higher TellerScore (95 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Central National Bank leads on 0 and The Citizens State Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Newton, KS
- Hesston, KS